Nacha is seeking comments from all ACH Network participants on a proposal to increase the Same Day ACH per-payment limit from $1 million to $10 million.
Since its launch in 2016, and especially following the 2022 increase to $1 million, Same Day ACH has become an essential tool for faster payments. This proposal represents the next step in expanding its value.
We encourage you to participate and share this information with your network, particularly organizations that originate or process high-value payments.
Nacha is seeking input on:
- The benefits and potential impacts of a $10 million limit.
- Risk management, fraud prevention, and appropriate controls.
- Operational and liquidity considerations for both ODFIs and RDFIs.
- Customer demand and anticipated adoption.
Comments are due by Thursday, Dec. 18, 2025.
Participation is open to:
- Small/medium business, corporate, state/local government, charitable or religious organization, and higher education institution. Reply to this survey.
- Financial institutions, payment associations, and other industry associations and organizations that provide payment-related solutions, products, or services. Reply to this survey.
For more details, read Nacha’s blog post: Nacha Wants to Hear from You on Increasing the Same Day ACH Payment Limit.
Contact us if you have any questions.
